Employee Benefits
BENCHMARKING DATA
from 2010 and prior
Resource: The Henry J. Kaiser Family Foundation
(not Kaiser Permanente)
discover the DBS difference
(888) 490-7530 x 111 Mike Pondrom
x 115 Brenda Fagan-Johnson / x 116 Mike Lutosky
x 118 John Willadsen x191 David Broome
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ABOUT THE SURVEY
The Henry J Kaiser Family Foundation is a very reputable, third- party annual
survey of employers providing a detailed look at trends in employer-sponsored
health coverage, including premiums, employee contributions, cost-sharing
provisions, and other relevant information.
The survey continued to document the prevalence of high-deductible health
plans associated with a savings option and included questions on wellness
benefits and health risk assessments.
The 2010 survey included 3,143 randomly selected public and private firms with
three or more employees (2,046 of which responded to the full survey and
1,097 of which responded to an additional question about offering coverage).
Researchers at the Kaiser Family Foundation, the National Opinion Research
Center at the University of Chicago, and Health Research & Educational Trust
designed and analyzed the survey.
The attached slides are only part of the full survey – the slides which
DBS feel present the most relevant data for our employer clients. For
the entire survey, please refer to the following web site:
http://ehbs.kff.org/

DBS Benchmarking Data
Table of Contents
1) Premiums Information
2)
3)
4)
5)
Contribution Information
Plan Design Information
Health Savings Accounts (H.S.A) / CDHPs
WELLNESS
DBS Benchmarking Data
Table of Contents
TOPIC:
Premiums
Average Annual Health Insurance Premiums and Worker
Contributions for Family Coverage, 2000-2010
114%
Premium
Increase
$6,438
147% Worker
Contribution
Increase
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits,
2000-2010.
$13,770
Average Annual Health Insurance Premiums and Worker
Contributions for Family Coverage, 2005-2010
$1,284
Worker
Contribution
Increase
$10,880
$2,713
$8,167
$13,770
27%
$3,997
47%
$9,773
20%
2005
Note: The average worker contribution and the average employer
contribution may not add to the average total premium due to
rounding.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits,
2005-2010.
2010
Worker Contribution
Employer Contribution
Percentage Increase in Health Insurance Premiums
Compared to Inflation
14%
12%
13%
Premium Increase
13%
CPI
11%
10%
10%
10%
9%
8%
6%
6%
4%
5%
3.1%
3.5%
3.3%
1.6%
2%
2.2%
5%
3.9%
3.5%
2.6%
2.3%
-0.7%
0%
-2%
5%
2000
2001
2002
2003
2004
2005
2006
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. Bureau of Labor Statistics,
Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2009.
2007
2008
2009
Annual Change Premiums for Employer-Sponsored
Health Insurance, FEHBP, and CalPERS, 2000-2009
Employer-Sponsored Health Insurance
FEHBP
CalPERS
25%
20%
15%
11% (ESI)
10%
5%
6% (FEHBP)
9% (FEHBP)
9% (CalPERS)
5% (ESI)
0%
5%
(CalPERS)
-5%
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Note: Employer-sponsored health insurance is the average premiums across all size employers based on the annual survey conducted by the Kaiser Family
Foundation and Health Research and Educational Trust. The premiums are for employees (not retirees), for a family of four. FEHBP is the Federal Employees
Health Benefits Program, which provides health insurance benefits to over 8 million federal enrollees, retirees, and their family members and former spouses.
FEHBP data for this exhibit are weighted average premiums for employees (both non-Postal and Postal, not including retirees) in all plans, across all enrollment
options (self and family). CalPERS is the California Public Employees’ Retirement System, which provides retirement and health benefits to California public
employees and retirees. CalPERS is the nation’s third largest purchaser of employee health benefits, after the federal government and General Motors, covering
nearly 1.3 million active and retired state and local government public employees and their families. CalPERS data for this exhibit are weighted average premiums
for Basic Plans (non-Medicare Plans), across all enrollment options (single, 2-person, and family); the 1996 premium is for a period longer than 12 months because
of a change in the reporting period.
Source: Employer-sponsored health insurance premiums: Kaiser Family Foundation/Health Research and Educational Trust, Employer Health Benefits, 2009 Annual
Survey, Exhibit 1.12, at http://www.kff.org/insurance/7936/index.cfm. FEHBP: Kaiser Family Foundation calculations using data provided by the Office of Personnel
Management. CalPERS: Data for 1993, 1996, and 1999 provided by CalPERS; data for 2000-2009 from Facts at a Glance: Health, September 2009, on the CalPERS
website at http://www.calpers.ca.gov/eip-docs/about/facts/health.pdf.
Average Monthly and Annual Premiums for Covered
Workers, by Plan Type and Region, 2010
Monthly
Annual
Single
Coverage
Family
Coverage
Single
Coverage
Family
Coverage
401*
1,142
4,817*
13,703
445
1,157
5,338
13,880
372
989
4,459
11,873
421
1,122
5,056
13,463
HMO
West
PPO
West
HDHP/SO
West
ALL PLANS
West
DBS Benchmarking Data
Table of Contents
TOPIC:
Contributions
Cumulative Changes in Health Insurance Premiums,
Workers’ Contribution to Premiums, Inflation, and
Workers’ Earnings, 1999-2010
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits,
1999-2010. Bureau of Labor Statistics, Consumer Price Index, U.S. City
Average of Annual Inflation (April to April), 1999-2010; Bureau of Labor
Statistics, Seasonally Adjusted Data from the Current Employment
Statistics Survey, 1999-2010 (April to April).
Average Percentage of Premium Paid by Covered Workers
for Single and Family Coverage, 1999-2010
* Estimate is statistically different from estimate for the previous year shown
(p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010.
Average Annual Worker and Employer Contributions to
Premiums and Total Premiums for Single Coverage, 1999-2010
$2,196
$2,471*
$2,689*
$3,083*
$3,383*
$3,695*
$4,024*
$4,242*
$4,479*
$4,704*
$4,824
$5,049*
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010.
Average Annual Worker and Employer Contributions to
Premiums and Total Premiums for Family Coverage, 1999-2010
$5,791
$6,438*
$7,061*
$8,003*
$9,068*
$9,950*
$10,880*
$11,480*
$12,106*
$12,680*
$13,375*
$13,770*
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010.
Average Annual Worker Premium Contributions and Total
Premiums for Covered Workers, Single and Family Coverage, by
Firm Size, 2010
Single Coverage
Family Coverage
* Estimates are statistically different between All Small Firms and All Large Firms (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2010.
Among Firms Offering Health Benefits, Percentage of Firms That
Report They Made the Following Changes as a Result of the
Economic Downturn, by Firm Size, 2010
*Estimate is statistically different between All Small Firms and All
Large Firms within category (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health
Benefits, 2010.
Among Firms Offering Health Benefits, Distribution of Firms
Reporting the Likelihood of Making the Following Changes in
the Next Year, 2009
Very
Likely
Somewhat
Likely
Not Too
Likely
Not At All
Likely
Don’t
Know
Increase the Amount Employees
Pay for Health Insurance
21%
20%
14%
44%
<1%
Increase the Amount Employees
Pay for Deductibles
16%
20%
18%
46%
<1%
Increase the Amount Employees
Pay for Office Visit Co-pays or
Coinsurance
15%
25%
19%
41%
<1%
Increase the Amount Employees
Pay for Prescription Drugs
14%
23%
19%
43%
<1%
Restrict Employees’ Eligibility for
Coverage
4%
5%
8%
83%
<1%
Drop Coverage Entirely
2%
6%
6%
86%
<1%
Offer HDHP/HRA‡
5%
15%
19%
59%
1%
Offer HSA-Qualified HDHP‡
6%
16%
24%
54%
<1%
‡Among
firms not currently offering this type of HDHP/SO.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2009.
DBS Benchmarking Data
Table of Contents
TOPIC:
Plan Designs & Misc.
Distribution of Health Plan Enrollment for Covered
Workers, by Plan Type, 1988-2010
*
*
*
*
*
*
* Distribution is statistically different from the previous year shown (p<.05). No statistical tests were
conducted for years prior to 1999. No statistical tests are conducted between 2005 and 2006 due to the
addition of HDHP/SO as a new plan type in 2006.
Note: Information was not obtained for POS plans in 1988. A portion of the change in plan type enrollment
for 2005 is likely attributable to incorporating more recent Census Bureau estimates of the number of state
and local government workers and removing federal workers from the weights. See the Survey Design and
Methods section from the 2005 Kaiser/HRET Survey of Employer-Sponsored Health Benefits for additional
information.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010; KPMG Survey of EmployerSponsored Health Benefits, 1993, 1996; The Health Insurance Association of America (HIAA), 1988.
Among Covered Workers With Copayments for a Physician Office Visit with a
Primary Care Physician, Distribution of Copayments, by Plan Type, 2010 only
$5 Per Visit
$10 Per Visit
$15 Per Visit
$20 Per Visit
$25 Per Visit
$30 Per Visit
Other
1
8
22
38
15
12
4
1
7
16
31
25
13
6
1
7
11
24
20
29
8
0
2
17
34
10
17
20
1
7
18
32
22
15
6
HMO
2010*
PPO
2010*
POS
2010*
HDHP/SO‡
2010
ALL PLANS
2010*
* Distribution is statistically different from distribution for the previous year shown (p<.05).
Percentage of Covered Workers Enrolled in a Plan with a
General Annual Deductible of $1,000 or More for Single
Coverage, By Firm Size, 2006-2010
*Estimate is statistically different from estimate for the previous year shown (p<.05).
Note: These estimates include workers enrolled in HDHP/SO and other plan types. Because we do not collect
information on the attributes of conventional plans, to be conservative, we assumed that workers in conventional plans
do not have a deductible of $1,000 or more. Because of the low enrollment in conventional plans, the impact of this
assumption is minimal. Average general annual health plan deductibles for PPOs, POS plans, and HDHP/SOs are for innetwork services.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010.
Percentage of Covered Workers Enrolled in a Plan with a
General Annual Deductible of $2,000 or More for Single
Coverage, By Firm Size, 2006-2010
*Estimate is statistically different from estimate for the previous year shown (p<.05).
Note: These estimates include workers enrolled in HDHP/SO and other plan types. Because we do not collect information on the attributes of
conventional plans, to be conservative, we assumed that workers in conventional plans do not have a deductible of $2,000 or more. Because
of the low enrollment in conventional plans, the impact of this assumption is minimal.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010.
Changes in Average PPO Costs for Family Coverage, 20062010
Note: Each 2010 estimate is statistically different from the 2006 estimate within
category (p<.05). The survey has asked comparable questions on family deductibles
only since 2006. An aggregate deductible is one in which all family members’ out-ofpocket covered expenses count toward meeting the deductible amount.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010.
Among Covered Workers with a General Annual Health Plan
Deductible for Single Coverage, Average Deductible, by Plan
Type and Firm Size, 2010 (In-network PPO deductible)
Single Coverage
HMO
All Small Firms (3-199 Workers)
$998*
All Large Firms (200 or More Workers)
354*
ALL FIRM SIZES
$601
PPO
All Small Firms (3-199 Workers)
$1,146
All Large Firms (200 or More Workers)
460
ALL FIRM SIZES
$675
HDHP/SO
All Small Firms (3-199 Workers)
$2,216*
All Large Firms (200 or More Workers)
1,676*
ALL FIRM SIZES
$1,903
DBS Benchmarking Data
Table of Contents
TOPIC:
Health Savings Accounts
Among Firms Offering Health Benefits, Percentage That Offer
an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2010
* Estimate is statistically different from estimate for the previous year shown (p<.05).
The 2010 estimate includes 0.3% of all firms offering health benefits that offer both an
HDHP/HRA and an HSA-qualified HDHP. The comparable percentages for 2005, 2006, 2007,
2008 and 2009 are 0.3%, 0.4%, 0.2%, 0.3% and 0.1%, respectively.
‡
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005-2010.
‡
Among Firms Offering Health Benefits, Percentage That
Offer an HDHP/SO, by Firm Size, 2005-2010
* Estimate is statistically different from estimate for previous year shown (p<.05).
Note: The 2010 estimate includes 0.3% of all firms offering health benefits that offer both an
HDHP/HRA and an HSA-qualified HDHP. The comparable percentages for 2005, 2006, 2007,
2008 and 2009 are 0.3%, 0.4%, 0.2%, 0.3% and 0.1%, respectively.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005-2010.
Percentage of Covered Workers Enrolled in an
HDHP/HRA or HSA-Qualified HDHP, 2006-2010
* Estimate is statistically different from estimate for the previous year shown (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010.
Percentage of Covered Workers Enrolled in an
HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2010
*Estimates are statistically different between All Small Firms and
All Large Firms within category (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health
Benefits, 2010.
Among All Large Firms (200 or More Workers) Offering Health
Benefits to Active Workers, Percentage of Firms Offering Retiree
Health Benefits, 1988-2010*
*Tests found no statistical difference from estimate for the previous year shown (p<.05). No statistical tests are conducted for
years prior to 1999.
Note: Data have been edited to include the less than 1% of large firms who report “yes, but no retiree” responses in 2010.
Historical numbers have been recalculated so that the results are comparable.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010; KPMG Survey of Employer-Sponsored Health
Benefits, 1991, 1993, 1995, 1998; The Health Insurance Association of America (HIAA), 1988.
DBS Benchmarking Data
Table of Contents
TOPIC:
WELLNESS
Among Firms Offering Health Benefits, Percentage of Firms
That Offer Employees Health Risk Assessments and Offer
Incentives to Complete Assessments, by Firm Size, 2010
‡
*Estimate is statistically different between All Small Firms and All Large Firms
within category (p<.05).
‡ Among Firms Offering Employees Option to Complete Health Risk Assessment.
Note: A health risk assessment includes questions on medical history, health
status, and lifestyle, and is designed to identify the health risks of the person
being assessed.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2010.
Among Firms Offering Health Benefits, Percentage Offering
a Particular Wellness Programs to Their Employees, by Firm
Size, 2009
100%
All Small Firms (3-199 Workers)
93%
All Large Firms (200 or More Workers)
90%
79%
80%
70%
60%
63%
57%
61%
59%
53%
47%
50%
40%
27%
30%
36%
34%
34%
28%
24%
19%
20%
12%
10%
0%
Offer at
Least One
Wellness
Program*
Smoking
Wellness
Weight
Web-based
Gym
Cessation*
Newsletter*
Loss
Resources Membership
Programs*
for Healthy or Exercise
Living*
Facilities*
*Estimate is statistically different within type of wellness program between All Small Firms and
All Large Firms (p<.05).
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2009.
Classes in
Nutrition/
Healthy
Living*
Personal
Health
Coaching*